Just had DMC ringing me telling me NOT to go with CCCS.....

MrsTinks

notallbad wrote: »

Yes I am sure that creditors "DONATE" money to help people out. Thinking about that where do the CCCS stand on reclaiming bank charges or PPI, think I might have missed it but I don't recall hearing alot from them in this respect,

Wellcome to MSE notallbad...

first: do fee paying DMP companies? Not that I have heard of!
second: yes they DONATE money - their reasons for doing so will probably never be 100% known - all we can do is speculate - my speculations are listed above. At least the chairties have to submit their accounts (and they have to be VERY detailed) every year to the charity commission. Bet you the fee paying companies don't face any inspection to the level of a charity.
third: why exactly should you hear from the chairties about reclaiming bank charges and PPIs? I don't know if they do or don't provide advice on this but why on earth should they??? If they do then super - if they don't... then so what?


You have a nice day now!

xgingerx

newlywed wrote: »

CCCS answered the phone within about 2 minutes on Monday. Dealt with me there and then and sorted my query. They also respond the next day to any emails. I have had no problems contacting them.

I'm sticking with them as they have been extremely helpful (and free) for the last year.

Nice One Newleywed !!! Ive also been with CCCS for over a year now and they are a godsend

I think that you Rakarth have some hidden agenda, you clearly seem to advocate any DMC other than the CCCS as some sort of miracle company. CCCS are free, they are a charity, why are you trying to pick faults and problems with them that dont exist ??? I dont understand what you are trying to say and why. I dont think I could get a better service.

Remember you can actaully do a DMP on your own and for some this works well but u need to be organised, CCCS take all the headaches away, anyway you have just joined what appears to be recently and seems odd why .

sorry all but there is something not quite right with this newbie

notallbad

xgingerx wrote: »

Nice One Newleywed !!! Ive also been with CCCS for over a year now and they are a godsend

I think that you Rakarth have some hidden agenda, you clearly seem to advocate any DMC other than the CCCS as some sort of miracle company. CCCS are free, they are a charity, why are you trying to pick faults and problems with them that dont exist ??? I dont understand what you are trying to say and why. I dont think I could get a better service.

Remember you can actaully do a DMP on your own and for some this works well but u need to be organised, CCCS take all the headaches away, anyway you have just joined what appears to be recently and seems odd why .

sorry all but there is something not quite right with this newbie

Of course I do not advocate the use of all DMCs ( I would be stupid to do so)I just believe that these forums should have a balanced view and recognise that there are other options available.

Yes I agree that the CCCS do a very valuable job and it is also very likely that they have helped you out of a very hard situation. I am glad you are happy with the service. However like with every company charity or not there are horror stories, believe it or not the company I work for often have enquiries from clients that would prefer to pay a fee to receive a superior service as they are not satisfied with the CCCS.

There is nothing wrong with using a fee charging company providing you make an informed decision.

I must admit though that something the does not sit right with me is the fact that a charity is funded by the creditors that it is supposed to be helping you repay a clear conflict of interest if I have ever seen one.

notallbad

MrsTine wrote: »

Wellcome to MSE notallbad...

first: do fee paying DMP companies? Not that I have heard of!
second: yes they DONATE money - their reasons for doing so will probably never be 100% known - all we can do is speculate - my speculations are listed above. At least the chairties have to submit their accounts (and they have to be VERY detailed) every year to the charity commission. Bet you the fee paying companies don't face any inspection to the level of a charity.
third: why exactly should you hear from the chairties about reclaiming bank charges and PPIs? I don't know if they do or don't provide advice on this but why on earth should they??? If they do then super - if they don't... then so what?


You have a nice day now!

Thanks for your welcome.

One of the main reasons we should hear from a company like the CCCS with regards to something like bank charges is due to the fact that if their clients (who have more than likely received charges of some description) did reclaim then it would help them to achieve their ultimate goal of being debt free.

However I expect that another heathy donation will be winging its way to the CCCS for sitting on the fence on this issue.

All the best

dodecanese

notallbad wrote: »

Yes I agree that the CCCS do a very valuable job and it is also very likely that they have helped you out of a very hard situation. I am glad you are happy with the service. However like with every company charity or not there are horror stories, believe it or not the company I work for often have enquiries from clients that would prefer to pay a fee to receive a superior service as they are not satisfied with the CCCS.

Im not having a go at these companies, Im sure some are them are ok. I cant see though how you would get a "superior" service by paying a fee. Unless a fee paying DMC can actually stop a creditor adding charges/taking enforcement action- which they can't as its the creditors right under the CCA.

rayday2

Alcohol companies donate to alcohol charities, fuel companies fund green issues and to look good and responsible creditors donate to debt charities its what happens in the world.

RakarthIX

rayday2 wrote: »

Alcohol companies donate to alcohol charities, fuel companies fund green issues and to look good and responsible creditors donate to debt charities its what happens in the world.

That arguement is flawed in a major way. Alcohol kills thousands of people each year, both directly (liver disease etc) and indirectly (violence etc). If the alcohol companies weren't seen to be doing something to help addicts they would be guilty of gross negligence.

Fuel companies aren't bothered about green isues - there issue is that the world's fossil fuels are fast running out. As a result it is either a case of invest in renewable fuel sources or go bust when the oil runs out.

Whereas creditors are investing in a company collecting debts for them, there is a clear money making part to this, because if they didnt invest in C.C.C.S. it wouldn't exist and they would then have to try and collect millions of pounds worth of payments themselves each month.

rayday2

Any Chance I have had some success getting interest and charges refunded whilst on a DMP and a few others (wow even those with the CCCS) are starting to do it too.

How far into your DMP are you? Has everyone stopped interest etc? If not I would wait let it settle down as there is no rush and you are better boiling your cabbages once.

Do you go into the DMP support thread that is around? If not check it out there is high level of support and experiences accross the board in that topic.

rayday2

RakarthIX wrote: »

That arguement is flawed in a major way. Alcohol kills thousands of people each year, both directly (liver disease etc) and indirectly (violence etc). If the alcohol companies weren't seen to be doing something to help addicts they would be guilty of gross negligence.

Fuel companies aren't bothered about green isues - there issue is that the world's fossil fuels are fast running out. As a result it is either a case of invest in renewable fuel sources or go bust when the oil runs out.

Whereas creditors are investing in a company collecting debts for them, there is a clear money making part to this, because if they didnt invest in C.C.C.S. it wouldn't exist and they would then have to try and collect millions of pounds worth of payments themselves each month.

The argument is not flawed at all people can be suicidal over debt problems and you are not helping.

What if someone comes to this board today and are suicidal they take a life ring from CCCS and then read the load of dwaddle that you are posting? Are you happy knowing you are upsetting or disturbing people who have come to a life changing decision?

Do you realise the agony that is involved in deciding on a DMP - how long that process takes, the sleepless nights, meals uneaten - do you feel any of that?

CCCS, Payplan and National debtline are the best way to go you will pay your debt quicker and you will have top notch advice. If you had any human decency you would stop running down these charities.

RakarthIX

dodecanese wrote: »

notallbad wrote: »

Yes I agree that the CCCS do a very valuable job and it is also very likely that they have helped you out of a very hard situation. I am glad you are happy with the service. However like with every company charity or not there are horror stories, believe it or not the company I work for often have enquiries from clients that would prefer to pay a fee to receive a superior service as they are not satisfied with the CCCS.

Im not having a go at these companies, Im sure some are them are ok. I cant see though how you would get a "superior" service by paying a fee. Unless a fee paying DMC can actually stop a creditor adding charges/taking enforcement action- which they can't as its the creditors right under the CCA.

As posted previously the majority of DMCs don't provide anything different (other than if you pay a fee you are much more likely to stick to a plan), however there are companies who go that extra mile. Things such as reclaiming bank charges, PPI, looking at finding cheaper providers for utilities, insurances etc.

And yes this can all be done yourself, but as I have said previously it all takes a lot of time and therefore if you choose to pay for someone else to save you that time then that is your decision.

If all the fee-charging DMCs got shut down tomorrow, the C.C.C.S and the other free organisations would be swamped and unable to cope with the volume within a month. Once again I reiterate that I am not advocating the entire DMC industry, however people deserve the right to make an informed decision, not to see a forum where people are bashing the entire DMC industry because of one company (not even a DMC) calling them several times.